Home contents insurance covers a range of items within your household, including electrical goods, furniture, jewelry, sports equipment, clothing, and even pedal cycles. This type of insurance acts as a backup plan in case any of these items are damaged…

No, standard homeowner’s insurance does not cover damage caused by war.Insurance policies, including those for homes, often have exclusions for war, terrorism, and related perils. This means that if your house is damaged or destroyed due to war, the insurance…

No, standard house insurance policies typically do not cover woodworm damage. Woodworm, caused by wood-boring insects, is often considered a preventable issue, and insurance policies generally exclude it. While some insurance providers may cover related pests, wood-eating bugs like woodworms…

Yes, house insurance generally covers damage caused by lightning strikes. This includes damage to the structure of your home, your belongings, and any other structures on your property, such as detached garages or sheds. However, it’s important to understand the…

In most cases, home insurance covers boilers. This is because boilers are considered a necessary part of the home.  Homeowner’s insurance will cover a broken boiler under certain conditions. If the boiler is damaged by a known peril like a…

A typical homeowners insurance policy will cover chimney damage if the damage was caused by a covered peril. This includes damage from a covered loss, such as a tree falling on the chimney. However, chimneys damaged by normal wear and…

Homeowners insurance usually covers water damage from roof leaks, but there are often exceptions and conditions. For example, some policies only cover damage caused by wind or other weather-related issues. Many policies also exclude coverage for flood damage.  Homeowners insurance…

Underpinning is the reinforcement of an existing building foundation. It’s needed when the original foundation is no longer strong enough to support the house.  Subsidence damage is usually covered by building insurance. This means that you should be able to…

Yes, generally, homeowners insurance covers wind damage to your roof. The dwelling coverage portion of your policy typically protects the structure of your house, including the roof, from unforeseen events like windstorms, fires, hail, and more. However, the amount of…

Yes, homeowners insurance typically covers storm damage to fences, but with some important caveats. The extent of coverage is up to the limit specified in your policy. The damage to your fence is considered under additional structure coverage, and it…